<<I am going to open a Roth for my wife. She is currently working, but we hope for her to be able to stop working in about five years. As I understand it, for us to continue to make contributions to a Roth in her name after she stops working, we will have to open a Spousal Roth, in which case she would then have two seperate Roths. To make things easier, can I just open her account now as a Spousal? >>

The term "spousal IRA" is just a name to denote that a contribution's source is earnings from the working spouse. It is not a special type of IRA. When she ceases work, you may continue to contribute new annual contributions out of your pay to her existing IRA. There's no need to open another unless that's your desire.

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